The repurchase of credit works: principle

Many factors push some households to want to do some improvement work in their main home. An improvement in the comfort of life, an expansion of the home or some renovations to beautify the living space have a cost that is sometimes difficult to finance oneself. The most common financing solution in this case is consumer credit, which can be subscribed in credit institutions under certain conditions. However, a change in the borrower’s financial position may degrade repayment capacity if the amount of its maturity is too difficult to pay on a monthly basis.

The repurchase of work loans consists of assembling some or all credits in repayment to keep only one, with a single rate and a reduced monthly payment. This operation may include consumer credit that the borrower has contracted for the purpose of doing work in his dwelling. The borrower thus finds himself with a budget adapted to his expenses and can support more easily the repayment of his financing.

Up to 60% off your monthly payments Your project

Redemption of credits Finance a project Renegotiate an immo loan Currently, do you pay back mortgages?

* € If you want to include an amount for a new project, please specify New project € Project type – To choose – car Immovable Works Staff How long do you want to repay your purchase of credits? Duration in years

Include work in the repurchase of credit

Individuals can use a bank to buy a consumer credit to pay for their project, but they can also use the pooling of their debts to obtain sufficient cash for their work. Institutions specializing in loan buybacks can allocate an amount dedicated to works, whatever their nature. The sum of this funding is not necessarily granted, but borrowers can apply for it. Expert analysts will analyze the financial situation of the applicant to propose the project of repurchase of credit to its banking partners. If all the conditions are met, then the beneficiary can finance its work, while simplifying the management of its finances.

The advantage of pooling credit is to be able to integrate more or less important sums for a possible new project of works but also to be able to collect loans of different natures, thus facilitating the repayment of the debts on a reduced monthly payment and adapted to the financial capacities of the borrower.